Finance for Growth Stage Businesses
Finance built for growing businesses — you've got real revenue and you're growing, now get the equipment and assets you need to keep scaling.
6–24 months
Trading history
Real revenue
Evidenced trading
Assets + growth
Finance type
24–48 hrs
Typical assessment
Funding for businesses that are finding their feet
You've been trading for a few months, revenue is building, and you need to invest in the next stage — more equipment, another vehicle, a fit-out, or tools to keep up with demand. But most lenders still treat you like a start-up.
This finance is built for businesses in that 6–24 month window. You've got real trading history to show, and we use that to structure a finance package around your actual performance — not a rigid checklist.
What can you finance?
We support the assets and costs that help growing businesses scale.
Vehicles & primary assets
Trucks, vans, manufacturing equipment, heavy machinery — the core assets your business runs on.
Tools, IT & light equipment
Computers, POS systems, trade tools, fitness equipment — the smaller items that keep you operational.
Fit-out & soft costs
Furnishings, franchise fees, minor fit-out — we can include some setup costs alongside your main asset finance.
Starting or growing a business?
Our guide covers what to expect when you're in the early stages of building a business.
What strengthens your application
Growth-stage businesses come in all shapes — here's what helps us back you, and what can make it harder.
You've already invested your own capital in the business
No personal capital at risk
Revenue is stable or growing
Sporadic or negligible revenue
The finance is mainly for tangible, recoverable assets
Primarily intangible or low-value items
Current revenue supports the repayments
No clear path to servicing the debt
Limited or manageable existing debt
Overburdened with existing lending
You own property (helpful for larger amounts)
No property or other assets to support
Every situation is different — these are indicators, not hard rules. Talk to us about where you're at.
Getting ready to apply
Check you're ready
Make sure you can show at least 6 months of business revenue through your bank statements. Get quotes or invoices for the assets you want to finance, and have an idea of how the repayments fit your current income.
Apply online
Submit your application through our online form. We'll need your business and personal bank statements to get started — and any quotes or invoices for the assets you're looking at.
Get your answer
We review your application and come back to you — usually within 24–48 hours. If we need anything else, we'll let you know. Once approved, we walk you through the next steps.
What you'll need
At least 6 months of business trading history
Quotes or invoices for the equipment or assets you need
Your recent business and personal bank statements
Evidence of your own capital invested in the business
A forecast if your revenue is still ramping up
Property details if you own a home (value and mortgage)
Don't have all of this yet? That's OK — talk to us and we'll help you work out what you need.
Why choose CFI for your growing business?
We back growth-stage businesses
Most lenders want two years of financials before they'll look at you. We're different — our finance is purpose-built for businesses in that 6–24 month window where you've got momentum but not a long track record.
We look at actual performance
We assess your real revenue and trading history — not just a credit score or a tick-box checklist. If your business is performing, we can usually find a way to help.
You deal with the decision-makers
We fund the deal ourselves — no waiting on a third party. You talk directly to the people making the decision, and you get your answer faster.
Common questions
How long do I need to have been trading?
This finance is designed for businesses with at least 6 months of trading history. We'll look at your bank statements and revenue to understand how the business is tracking. If you're earlier than that, our Start a Business finance may be a better fit.
What can I finance?
Primarily vehicles, equipment, machinery, and tools — the assets that drive your business forward. We can also include some softer costs like fit-out, furnishings, or franchise fees, though these are typically capped as a proportion of the total finance.
Do I need to put in my own money?
We look at what you've already invested in the business — not just a deposit on one asset. If you've been putting your own capital into getting established, that works in your favour. Every deal is different, so talk to us about your situation.
What if my revenue is still growing?
That's normal for a growth-stage business. We'll look at the trend — if revenue is building and the trajectory is realistic, we can often work with that. A simple forecast showing how you expect things to develop over the next 6–12 months can help.
Do I need to own property?
Not always — but it helps, especially for larger amounts. For smaller, asset-backed deals we can often work without property. Talk to us about your situation and we'll give you an honest picture.
How quickly can I get a decision?
Most applications are assessed within 24–48 hours once we have everything we need. Growth-stage deals are usually straightforward — if you've got 6+ months of solid revenue, we can move quickly.
More questions? See our full FAQ or get in touch.
Ready to accelerate your growth?
Talk to a CFI Finance Specialist about getting the equipment and assets you need to keep scaling.